Tow truck insurance is a specialized type of commercial auto coverage designed to protect businesses that transport disabled, illegally parked, or damaged vehicles. Standard auto insurance policies are not enough for towing companies because tow trucks face higher risks on the road and when handling customer vehicles.  

A comprehensive tow truck insurance policy includes liability protection, collision coverage, on-hook towing insurance, and garage liability, ensuring that both your truck and the vehicles you tow are covered. 

1. Liability Protection for Accidents 
   Tow trucks are constantly on the move, often navigating busy highways or accident-prone areas. If your tow truck is involved in an accident, liability coverage helps pay for damages to other vehicles, medical expenses, and legal fees if you are sued.  
   
   
2. On-Hook Towing Coverage 
   What happens if a car you’re towing gets damaged while in transit? On-hook towing coverage protects against damage to vehicles you are towing, whether from collisions, fire, theft, or vandalism. Without this coverage, you could be responsible for paying out of pocket for repairs or replacements.  
   
   
3. Garage Keepers Insurance 
   Many tow truck businesses temporarily store vehicles at their lot or garage before returning them to owners or taking them to repair shops. Garage keepers insurance covers damage to a customer’s vehicle while it is in your custody, protecting you from unexpected costs due to fire, vandalism, or theft.  
   
   
4. Comprehensive and Collision Coverage for Your Tow Trucks 
   Tow trucks are expensive to repair and replace. Comprehensive and collision coverage protects your vehicles from accidents, natural disasters, theft, and vandalism. Whether your truck is damaged in a crash or a storm, you’ll have financial support to get back on the road.  
   
   
5. Medical Payments for Drivers and Passengers 
   Towing can be a hazardous job, with risks like vehicle collisions, working in high-traffic areas, or dealing with roadside emergencies. Medical payment coverage ensures that medical expenses are covered if your driver or passengers are injured in an accident, reducing financial strain on your business.